Benefits Of Student Loan Consolidation

by Layla Vanderbilt If you are struggling to pay off your student loans, or to balance the payment of multiple student loans, you may want to consider student loan consolidation. This approach is particularly helpful for borrowers facing forbearance or deferment, or if your level of debt is effecting your credit score. You can often decrease your level of debt, interest rates and number of loans in one step through loan consolidation. [more...]

Date: 2009-09-29 14:34:45

Blog posts (204) | Videos (235)
 

How to Improve Your Credit Score When Paying Down Debt

Kudos to you for focusing on paying down your debt. Regardless of what you do from here on out from a credit score perspective, you are already doing the best of all things – paying down your debt. However, you can make some small mistakes in the process that will hurt the improvement of your credit score. Hopefully, with some advice, you can avoid them. Don’t Cancel Cards When you pay off a credit card, it’s very tempting to cancel the card and cut it up into tiny little pieces. Please don’t. [more...]

Date: 2009-09-29 11:00:28

Will Your Credit Score Be Ruined By Credit Card Debt Consolidation Negotiators?

Amazon.de Widgets Credit card debt negotiators claim that they can help you pay less than you owe. Read the truth about credit debt negotiation scams. Protect your credit history.There are different reasons why people fall into debt. All of a sudden you may realize that you just can not make your regular payments. All of your bills and credit card statements drive you to the point of insanity and it seems that you will be unable to get out of this pit without help. [more...]

Date: 2009-09-29 11:50:50

Benefits Of Student Loan Consolidation

September 29, 2009 | By Layla Vanderbilt In Finance | by Layla VanderbiltAre you having difficulties making your monthly payments for the student loans that you have availed of? If you are facing some financial problem due to which you are unable to service your loan, you should go for student loan consolidation. Whether your financial miseries are due to poor credit score, possibility of forbearance or deferment, loan consolidation is a way out of your financial mess. [more...]

Date: 2009-09-29 14:35:03

Blogs Cover Possibility of Higher Rates

A: Readers of UD know by now my thoughts on the long end of the treasury curve; my expectations for a multi-year rise of longer term yields ... discussed here is investment advice. As always, talk to your financial planner before making any ... for Chinese exports. China holds a large amount of US treasuries, in essence, funding our debt [more...]

Date: 2008-11-02 15:14:17

Sunday Money Roundup - Frugal In Winter In The High Desert.

So, with over 2 feet of snow on the ground the other day, I hung out our laundry. Yep, the thermometer read 22 degrees, but at this altitude ( ... about buying something? He needs your advice! Gather Little By Little dips his toes into a 0% interest credit card. Go see what he is using it for! MoneyMate Kate tries to deal with United Airlines [more...]

Date: 2009-01-11 14:00:43

Student Loan Consolidation

Student Loan Consolidation by Layla VanderbiltStudent loan consolidation can be considered as a sensible option to take if you are facing a financial turbulence or for any circumstance unable to meet high monthly payment of your student loan. A typical consolidation consist of a small amount of loan you can take which could be used towards paying future student loan instalments and avoiding further deferments. [more...]

Date: 2009-09-29 14:46:22

Why Can't You Ever Make On-Time Payments?

By Tisha Tolar How frustrating is it to pay all of your bills each month when you finally get a minute to sit down and take care of things, ... are no longer as forgiving about grace periods and payment timelines. It is now more important ... . You need to change your financial habits to eliminate late fees and help you on your way to living a debt [more...]

Date: 2009-01-12 22:28:05

Credit Rating Agencies

The WSJ ran an editorial the other day arguing against the New York Fed’s proposal to create a central clearinghouse for credit default swap ... : Me: I could see why a million little shops analyzing debt and selling their analysis could make sense ... s clearly a legit problem. But what is the point of them for the private sector. Why are their opinions [more...]

Date: 2009-01-16 00:21:02

Want to Become the Greatest Sports Handicapper? Here’s How

Want to Become the Greatest Sports Handicapper? Here’s How You will be able to get tips on best betting practices. … can make money on sports now and forever with a conservatively sports betting strategy . Texas Hold’em Rules and Strategy Card Playing And Betting At Texas Holdem Poker Author writes articles, tips and advice for Better Betting … Free Horse Racing Tips and Betting Strategies … Baseball Betting Strategy , Tips & [more...]

Date: 2009-09-29 15:15:30

A stiff premium for false choices

At a Thursday public forum in Louisville, Gov. Steve Beshear's Chief of Staff Adam Edelen elevated the government hysteria for higher taxes by saying ... involved improving our future and that of our children?The problem is that this overblown rhetoric simply ... and that of our children more than they did their ability to win the next election, we [more...]

Date: 2009-01-15 12:36:00

What Hillary says on China

Anybody trying to plumb Hillary Clinton’s thinking on China after the several hours she spent Tuesday at her confirmation hearing before the Senate Foreign Relations Committee will surely be disappointed. She said almost nothing about what is arguably the most important bilateral relationship the United States has [more...]

Date: 2009-01-15 05:01:44

Reduce Your Interest Rate With A Credit Card Debt Consolidation Loan

Amazon.de Widgets Credit Card Debt Consolidation Loans are the perfect solution to manage credit card debts properly. These loans will not only provide a manageable single loan but will reduce greatly the amount you repay each month because of the lower interest rates often applied to loans.It is without a shadow of a doubt that most people would like to reduce their debt burden to as small an amount as possible. [more...]

Date: 2009-09-29 11:54:49

How to Avoid a Lawsuit From a Collection Agency

The first thing you need to understand is that most large collection companies have a lawyer at their disposal who writes letters on their behalf ... to respond… they’ll sell the debt to another collection agency for pennies on the dollar. In order for them ... that they cannot legally be collected on. So even with a judgment to repay the debt… the collec [more...]

Date: 2009-01-14 19:53:56

Debt Consolidation Advice

Rollover USA-401K Rollover to IRA is a post from: Rollover USA-401K Rollover to IRA Debt Consolidation can be a very helpful tool in managing and paying off multiple debts. Numerous debts and loans are stressful to handle and hard to deal with. It’s already a struggle just by keeping up with monthly payments. But through debt consolidation, a more manageable and convenient loan payment can be achieved. By bringing [more...]

Date: 2009-09-29 06:25:54

Debt Consolidation – Helps You Improve Your Credit Score

Whenever people are surrounded with debts, they depend only on professionals who have some knowledge in this field to let them get out of their ... their credit score by applying for a debt consolidation and their monthly payment also gets lowered ... by reading books that are related to finance and implementing it in their real life. Debt [more...]

Date: 2009-01-16 02:06:32

The Friday Gathering Ask the M-Network Edition

The M-Network is starting the year off with a bang by beginning something that I think is really awesome: Ask the M-Network ... to make the lawyers happy: Our answers are opinions not professional financial advice – Please remember ... not be considered professional advice and we assume no responsibility of any kind. Please consult a certified [more...]

Date: 2009-01-09 12:01:47

Financial Advice for the Current Market Conditions

I have a special attachment to Saturday Night Live, since it debuted the same year I was born ... t get these numbers to add up Husband: Like we’re never going to get out of this hole. Wife: Credit card debt ... could use it. Wife: We’ve tried debt consolidation companies. Husband: We’ve even taken out loans [more...]

Date: 2008-10-16 06:30:09

Free lunch? - What does UK government funding mean to startups?

This is a guest post by Nick Halstead, CEO and founder of fav.or.it As I am in the midst of raising another round of funding for fav.or ... your Intellectual Property. The problem though is that since the beginning of the credit crunch the Banks ... up to £1.3bn of new lending by banks.’ However, there is one BIG problem, the banks still do not want [more...]

Date: 2009-01-15 09:25:59

Collection Agency Demands “Lump Sum”

A reader asked for advice in response to a collection agency demanding a lump sum and refusing to accept a payment plan.. Hi Barry, I have a question for you regarding a collection agency. I have a credit card account ... . I’ve been working with Bank of America through a payment program, but they recently sold the debt [more...]

Date: 2008-11-12 01:48:47

CBO Report: U.S. Will Go to Hell in 2009

According to a report just released by the Congressional Budget Office (CBO), “the deficit this year will total $1.2 trillion, or 8.3 percent of GDP.” This seems about right for a banana republic. The bad news is that neither commercial banana cultivation nor a republican form of government has proved viable in this country [more...]

Date: 2009-01-08 23:14:26

Credit Lines: Number and Length of Time Open

from an email: On a related note, I hope you might have some advice for us. My husband and I just sold our condo ... .) So we are spending a small part of the profit off the sale on retiring the only credit card debt we still ... house. However, with no credit card debt and no mortgage (and one car loan that will be paid off [more...]

Date: 2008-07-06 16:05:45

My 2008 Discretionary Spending: Progress and Challenges

For nearly three years, I’ve chronicled my adventures as I learn about money management. I’ve dug myself out of debt, quit my job to write full time, and begun to build wealth. But how well do I practice what I preach? For the most part, I follow my own advice. I believe there are two [more...]

Date: 2009-01-12 13:00:06

Practical financial advice for the new year

Despite the fact most Illinoisans attention has been diverted towards the Governor's possible impeachment, ... also consider in facing the budget crisis:  Live within your means. Pay off debts ... with a dragging economy, possible layoffs, pay cuts, and rough financial times -- cutting into the state's [more...]

Date: 2009-01-02 14:52:48

Suze Orman’s Free Book - Fixing Your Finances in 2009

Barack Obama’s speech warning of devastating unemployment levels and a lengthy recession was no surprise to most Americans ... to do this year. For example, the general Credit advice for 2009 is: Make it a priority to pay off your credit ... to get your FICO credit score above 720. Be very careful where you turn to for help with credit card debt [more...]

Date: 2009-01-09 13:29:00

How to Safely Build Your Credit History

I’ve heard from several high schoolers and early college students asking for advice on how to build up their credit history in a safe and ... and such, but I don’t know where to start. I’m worried about getting way into debt like some people ... (credit bureaus) that are in the business of collecting the information for credit reports - Experian [more...]

Date: 2008-09-23 20:00:35

We’re saving for retirement!

Last week, I questioned when we should start saving for retirement. I got a lot of great advice from readers (thanks!) ... that didn’t require a minimum investment. Our main priorities are student loan repayment ... of our accounts. We’ll increase that amount later as our income increases and our debt decreases. After [more...]

Date: 2009-01-10 17:05:37

Personal Finance Tips

by Jim Parker Do you know the best way to financial freedom and wealth? You might be surprised at the simple things you can do to be just like them ... finance. Personal finance includes topics like budgeting, retirement, savings and debt management ... you end up with debt. To gain balance in your personal finances you need to be debt free. This comes [more...]

Date: 2009-01-15 20:01:49

Scotiabank offers some finacial advice for Canadians

These are some of the items that Scotiabank has offered to Canadians in order to improve their financial situation ... such as higher rate department store and other credit cards. Inform yourself about interest rates and options ... have a financial plan, now is the time to get one that emphasizes debt management and map out your short [more...]

Date: 2009-01-09 09:57:00

Ask the M-Network: What to do if you’re deep in debt

Last week the M-Network rolled out a new feature:  Ask the M-Network.  This week, we’re going to answer a question about debt from one of my readers ... to know if this is credit card debt or some other debt - there is a big difference. If credit card debt, then you might want to think about going to a consolidation company who can work on your behalf [more...]

Date: 2009-01-14 12:00:07

Ten for Tuesday (January 13, 2009)

Here’s this week’s Ten for Tuesday. Enjoy! 1. My friend, Lindsay, details how she and her husband are handling allowances. 2 ... , same-as-cash, and no-interest-no-payments. 6. Protect your FICO score as more inactive credit card ... break out the credit cards. 7. The Digerati Life offers up some pointers on preparing for a job [more...]

Date: 2009-01-13 17:39:22

Some Sage Economic Advice . . .

A few days ago I stumbled upon some YouTube videos of Drayton Bird.  A quick search on YouTube will pull up some of his videos. I encourage you to take a look. Drayton is a world renowned direct marketing expert from the UK. Thirty years ago he was completely broke and in massive debt. He owed so much money [more...]

Date: 2009-01-14 16:47:24

How to Become Debt Free using 6 Powerful Tips?

by Finance-Experts-Team It does not matter if you are a beginner or an expert business owner ... Your Credit Card Statements. On the one side, low interest credit cards offer an attractive offer ... one or more of them that consequently lead to a non-desired late in the pay and, therefore, your credit [more...]

Date: 2009-01-15 08:36:59

To Buy or Not To Buy…What’s Your Advice for This AFM Reader?

I received the following email the other day from an AFM reader (summarized from several emails): JLP, Greetings! ... . I can get in the low 500’s, I’m pretty sure. It is a very impressive home. The down payment of $450,000 is nearly ... . I would, however, be debt free. So, I guess a major part of my question is, is a luxury home [more...]

Date: 2009-01-08 05:54:30

MARKET TALK: TNT price target raised at Morgan Stanley

September 29th, 2009 Goto commentsLeave a comment AMSTERDAM (Dow Jones) - Morgan Stanley has raised the price target for TNT to EUR18 from EUR23. Analysts estimate that the share is currently valued. In addition, margins in the division Express Mail to absorb the downturn. Finally, the analysts expect a decision shortly on the cost to mail. The opinion remains overweight. [more...]

Date: 2009-09-29 11:03:45

How to Get Out of Debt and Credit Card Tips

Taking care of our finances requires a great deal of knowledge and implication on our behalf. As adults, we must take responsibility when it comes to money and put to good use all the advice that is being given to us. Fortunately, we have one more hand offered and that is represented [more...]

Date: 2008-12-21 16:41:06

Hoarders and Destroyers

Just when you thought it was all baked into the cake...whammo! Another pie to the face. Get ready for more pies. In fact, you could take your pick of pies this morning. The most painful pie was yesterday's 4.3% decline on the All Ords. It was the worst day of the year for Australian stocks. Unemployment called in at 4 [more...]

Date: 2009-01-16 03:04:54

"Dynamic Scoring"

I was thinking about thinking about this: Dynamic Scoring, by Andy Harless: Suppose that, at the beginning of the fiscal year, Congress appropriates $100 billion extra for infrastructure projects. At the end of the fiscal year, how much higher will the deficit turn out to be, compared to what it otherwise would have been? [more...]

Date: 2009-01-13 08:33:00

That is the one question we are asked every single day.  Homeowners are confused with their options (or in some cases, their lack of options) ... is not doing the same tax relief as the federal government.  You may have a state tax liability ... the entire debt (on your first and second loans [more...]

Date: 2009-01-15 21:07:27

What The Rise And Fall In Housing Has Done

The Ventura County Star reports from California. “Thousands of Ventura County residents were pushed out of their homes last year, and many more were left hanging on by a thread — a situation exacerbated by mounting job losses. In Ventura County, December foreclosure filings surged 37 percent from November and 97 percent from a year ago, [more...]

Date: 2009-01-15 18:16:59

What 2 Things Are The Main Reasons Why Credit Card Consolidation Should Be Considered?

Amazon.de Widgets Credit card consolidation is an excellent way to improve credit card debt both by simplifying the management of your debt and the more importantly the amount you will eventually repay.Credit card consolidation will undoubtebly help if you have many credit cards and are starting to lose control of both your repayment schedules and the amount you need to pay to each card provider. [more...]

Date: 2009-09-29 11:41:23

Tests on TV downloads, farmers’ debts

(NOTE TO READERS: A wave of computer glitches delayed this report on Monday’s orders by the Supreme Court.) ————— Barack Obama brought presidential campaigning fully into the Internet Age with digital creativity during his run for the White House. Now, [more...]

Date: 2009-01-13 00:51:38

How Do Credit Counselors Help You?

by William Blake It is not unusual for a person to be shouldering much more debt then he actually can handle ... and for some it eventually gets out of hand and impossible to maintain. For those people credit counseling can offer some assistance. What can a credit counselor do for you? A person with a sizeable debt that is hard [more...]

Date: 2009-01-15 10:32:19

Don't Throw in the Towel

Someone from the Cato Institute sent me this with the message "I’ve been reading your blog posts on the Obama stimulus plan, and I wanted to bring this to your attention, something I think you’ll find interesting."  I interpret "interesting" to mean "you are mistaken to think fiscal policy can benefit the economy": Making Work, [more...]

Date: 2009-01-14 08:33:18

Oprah’s Best Life Financial Webinar w/ Suze Orman

Oprah’s Best Life webinar featuring personal finance guru Suze Orman will be taking questions from viewers about money matters, ... to make debt reduction a top priority. Your indebtedness is the second most important factor for FICO ... your score to decrease, so be cautious about taking on new debt. This includes thinking twice [more...]

Date: 2009-01-15 19:38:01

Don’t Forget - Today You Can Get Free Advice From Kiplinger and the NAPFA

Kiplinger is parterning with the National Association of Personal Financial Advisors for an event called Jump-Start Your Retirement Plan Days ... your questions. From saving for retirement, paying off debt, or even estate planning, they are there to help.  There are two ways to have your question answered. You can simply submit a question online [more...]

Date: 2009-01-13 15:48:59

Take That Match!

We've all been told that the worst thing you can do is not full participate your employer's 401k or 403b match ... this advice. Sometimes money is so tight that putting even the slightest bit away can be overwhelming. How can I put another 2% away when I have so much credit card debt? Or, how can I manage on less [more...]

Date: 2009-01-14 16:21:00

IRS Offers Advice To Cash Strapped Americans

IRS Offers Advice To Cash Strapped Americans Posted by BK Dallas on 15 Jan, 2009 in Tax - Debt Garnishments Taxes, another debt that many Americans are struggling with is often going unpaid as taxpayers struggle ... from these payments, or make estimated payments to avoid a big bill at tax time. Public assistance and food [more...]

Date: 2009-01-15 17:08:01

The Green shoots Baroness is a disaster for what she does more than for what she says

The Opposition will continue to remind people of the insensitive remarks of Baroness Vadera, ... , private equity injections, demergers and other methods of challenging and changing management ... into base metal. Why on earth didn’t she suggest short term Bank of England loans against security [more...]

Date: 2009-01-15 10:36:43

When Should I Start to Debt Consolidation Firms for Help?

When Should I Start to Debt Consolidation Firms for Help? Financial problems aren’t always the result of poor money management ... the rates of interest on your loans, or credit cards. Some people believe that non-profit debt ... about debt consolidation. Regardless of which firm you seek to obtain credit repair or debt relief [more...]

Date: 2009-01-15 15:31:22

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